After the fourth elder finished speaking, the hall fell silent, and it took a while before a small discussion could be heard.
Yang Zhen looked over one by one and noticed that the clan leader, as well as the 2nd, 3rd, 5th, and 6th elders, had no expression on their faces. It was obvious that they had known about this matter for a long time, and even had thoughts in their minds.
The other elders, especially those ranked after ten, were either surprised, worried, or whispering to their neighbors. It was obvious that this was their first time hearing about it.
This made him very surprised. Could it be that some elders didn't know about such a huge debt?
Finally, he looked at Qin Wan. This woman was sitting upright, with a look of astonishment on her face, but she didn't talk to the people around her, and she looked quite lonely.
He sighed secretly.
Seeing that no one said anything for a long time, he didn't care about the rules or regulations, so he immediately asked:
"Fourth Elder, when was this agreement signed? Who is the representative of the family? Does the Elders Council know about this matter?"
He opened his mouth three times, and although his tone was gentle, it sounded harsh to Zhao Yunya.
He simply turned a deaf ear and was too lazy to pay attention to this arrogant junior.
Yang Zhen sneered and turned to her superiors: "Clan Chief, the Fourth Elder's ears are not working properly. Should we find a doctor to check on him?"
The fourth elder was furious: "Huangkou kid——"
"Fourth!" the patriarch called to him: "You are so old, but you are still so restless. Yang Zhen is sitting here, representing the great elder. If I ask you anything, say what you should say, and don't be rude!
”
Zhao Yunya snorted, looking dissatisfied, and shouted to the person next to him: "Lao Liu, tell me! I don't like this kid!"
The sixth elder stood up with a smile on his face. He was responsible for the family's business and was relatively tactful. He had met Yang Zhen several times before and always greeted her with a smile. There was no grudge between the two parties.
He cleared his throat and answered honestly: "The agreement was signed with the Dai family in Yunzhou City by myself and the Fourth Elder as family representatives in April of the Gengwu Year (three years ago)."
Qin Wan over there suddenly heard that this happened three years ago. Thinking about the persecution of the Dai family at that time, she already had eighty-nine guesses in her mind.
She couldn't help but raise her eyebrows, and anger flashed across her face.
Yang Zhen was watching everyone's expressions and couldn't help but be stunned when she saw this, her eyes were thoughtful.
"Did you report this matter to the Presbyterian Council at that time?" he asked.
"No." The Sixth Elder shook his head.
"You didn't report such a large loan to the Presbyterian Church?"
The Sixth Elder laughed dryly. He had a good temper and didn't care about the dissatisfaction in Yang Zhen's tone. He raised his head and cupped his hands and said:
"We reported it to the clan leader."
Over there, Zhao Yunya couldn't help but sneer: "Boy, what matters should be discussed by the elders in the Presbyterian Council should be proposed by the elders. Since no one has proposed this matter, why go to the Presbyterian Council? You really don't know anything, and you dare to sit here.
Shameless words!"
Yang Zhen frowned, this time it was not because of the fourth elder's rude words, but because there was something wrong with the Zhao family's management system!
He turned around and said: "Clan leader, we should set a rule in the future. Spiritual stones, contribution point transactions, loans, etc. above a certain amount must be reported to the Elders Council. Even if it is too late beforehand, it must be made up for afterward."
"A huge amount must be approved by the Presbyterian Council!"
The clan leader hummed and said without comment: "Let's talk about this later!"
Yang Zhen continued to ask: "When does the Dai family start repaying this contribution point?"
Sixth Elder: "The agreement at that time stipulated that the Dai family must make a request for repayment one month in advance. This matter was brought up by the shopkeeper of the Dai family this morning. Therefore, starting from today, October 30th next month, the repayment request must be made.
A loan."
Yang Zhen: "Should it be repaid in installments or all at once?"
Sixth Elder: "Pay it off in one lump sum."
Yang Zhen: "What if it can't be done?"
Sixth Elder: "The remaining balance needs to be recalculated with interest. The interest will be raised to 20% and shall not exceed one year."
Yang Zhen: "What if I still can't pay it off after one year?"
Sixth Elder: "This... the two sides will discuss it later."
Humph, I owe a debt to the largest family in the state. If I can't pay it back by then, I'll have to let others manipulate me.
Yang Zhen sneered in her heart, thought for a moment, and then asked:
"If spiritual stones are used to pay debts, at what proportion will the contribution points be converted?"
Sixth Elder: "One to six."
Yang Zhen took a breath, converted into spiritual stones, it was more than two million!
For sect contribution points, the conversion ratio on the sect side is naturally one to one. In other words, if you have ten contribution points, you can directly exchange them for ten low-grade spiritual stones at the sect.
However, this exchange is one-way. If you have ten spirit stones, it is absolutely impossible to exchange them for ten contribution points from the sect.
In fact, the sect stipulates that contribution points can only be obtained based on meritorious contributions and cannot be exchanged for spiritual stones.
Despite this, after thousands of years, everyone still has a relatively consistent judgment on the value of the sect's contribution points, that is, the ratio to the spiritual stone should be between 1:3 and 1:4.
However, this kind of exchange is like a controlled exchange rate. There may be a way to exchange less. If the amount is large, then you have to go to the black market price.
At that time, one to five, one to six, or even higher was not impossible.
Therefore, the Dai family's conversion ratio cannot be said to be too negative, but it definitely has nothing to do with generosity.
It's just that the current Zhao family is no longer the same as when Zhao Beiqing spent two million in Qingzhou to bid for the Yuanling water fetus. After such a big change, the treasury is empty, and it will be difficult for the entire family to spend such a huge sum of money again.
Maintained.
"Doesn't the sect have a system in this area?" Yang Zhen thought of the experience in her previous life and asked: "The amount of contribution points required by the ancestor to attack the golden elixir is huge. Can't the sect provide loans?"
"Well," the Sixth Elder spread his hands and said helplessly, "The sect does exist, but the procedures are cumbersome and there are too many levels. I don't know how many layers of skin I have to peel off!"
"That should be more cost-effective than borrowing, haven't you done it?"
The sixth elder finally showed a hint of anger on his face, and said in a low voice: "I tried it, but I gave up."
"At that time, Patriarch Zhexi was still in Baoyuan Hall and was highly appreciated by Master Shuihong. Have you mentioned this matter to Patriarch and asked him to help?"
The Sixth Elder's face returned to normal and he replied: "I mentioned it. Ancestor Zhexi said that Patriarch Shuihong lives alone and likes to collect talismans and magic weapons. He doesn't have many contribution points at hand, so we still need to find a way."
"If he hadn't come back from Langshan that time and brought more than 80,000 contribution points, we wouldn't have been able to renew the rent for that year."
Most of them are still mine! Yang Zhen cursed in her heart.
Then he asked a few more questions, but they were about where the family's contribution points came from and how they were used over the years.
The six elders all answered accurately.
Only then did Yang Zhen understand that the promotions of many of the elders here, especially those who went to Black Wind Valley to break through the barriers, had borrowed a large number of sect contribution points from the family.
The person who earned contribution points was Master Yun Jun who served in Zongmen Zhenguo Hall in his early years, and later it was Zhao Beiqing.
As for the foundation-building monks, there are only a few of them in the sect, so it is great to be self-sufficient.
More monks in the Zhao family, as long as they feel there is no hope of promotion to the Zifu, would rather stay in their hometown and enjoy their life.
This is really raising a group of second-generation immortals who don’t want to make progress and are greedy for comfort! Yang Zhen shook her head secretly.
What he didn't know was that if Yun Jun hadn't been attacking the golden elixir all these years, he would be in urgent need of a lot of contribution points. With Zhao Lian's qualifications and background, after completing the third level of Qi training, there is a high possibility that he would be sent to the Black Wind Valley by his family.
Those who have advanced to the middle stage of Qi training.
If that were the case, this person might not have so much resentment towards Yang Zhen, and what happened later would not have happened.
Everything has cause and effect and is interrelated.
Besides, in the venue, Yang Zhen asked so many questions, which finally made Zhao Yunya angry again:
"Why are you asking so many questions! Is there anything you can do? If you can't do anything, don't be nagging!"
"The fourth elder said that, so he must have a solution in mind?" Yang Zhen sneered, knowing that the meaty show was coming.
"There is no way to talk about it," the fourth elder looked around the audience: "I do have some suggestions from someone here -"
"As long as we agree, not only will only half of the hundreds of thousands of contribution points be repaid, but the period can also be extended. More importantly, they are also willing to provide a Ziyun Pill to help our Zhao family and create another Zifu
!"
As soon as this statement came out, several elders who did not know about it suddenly became excited and urged:
"What suggestions?"
"Fourth Elder, tell everyone quickly!"
"Zi Mansion! Our Zhao family cannot live without Zi Mansion!"
"Fourth uncle, tell your nephew quickly!"
Zhao Yunya looked around, feeling proud, and uttered two words: